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Need to get myself together: The beginning

edited 30 November -1 at 1:00AM in Debt Free Diaries
3.9K replies 238.7K views
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  • abba1772abba1772 Forumite
    7.1K posts
    Tenth Anniversary 1,000 Posts Name Dropper Car Insurance Carver!
    ✭✭✭✭
    You're not the only one who's ever been caught out but you're doing great keep it up xx

    I love seeing my totals going down in my signature too xx
    NEXT TARGET SAVING FOR OUR HOLIDAY SPENDS - IF IT HAPPENS
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18
    POAMAYC 2019 £13309.28
    POAMAYC 2020 £7694.06
  • monzmonz Forumite
    4K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ✭✭✭✭
    Woo its payday!!! Updated signature and my spreadsheet haha purplefan :)!!

    I am worried I set up my RBS loan adding it to my payee and paid into it the extra £26.46 this month and hasnt been added yet. Shall I wait a day maybe?

    I cannot pay next until 28 September thats the pay day but everything else has been updated :D

    Thanks Abba :) x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) :D car PCP - £4,149.75/£11,848.25 mortgage - £76,560 o/s currently - paid £10,684.50 (£319.84 overpayment)
  • monzmonz Forumite
    4K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ✭✭✭✭
    Update the £26.46 paid into loan has came off. I feel as if I have took a huge step... and its only that haha :)
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) :D car PCP - £4,149.75/£11,848.25 mortgage - £76,560 o/s currently - paid £10,684.50 (£319.84 overpayment)
  • Dolly_RockerDolly_Rocker Forumite
    4.9K posts
    Eighth Anniversary 1,000 Posts I've been Money Tipped! Debt-free and Proud!
    ✭✭✭✭
    Woo well done you!

    I love it when the figures go down, Roll on Wednesday for me!

    Dxxx
    DF 2018 £12,754.09 - PIF 30.11.18
    My Home Fund £3,200.00
    Goal Weight by December 2020 11lbs/91lbs
    I have 4 Nationwide Referrals left, PM me for £100 to switch accounts, link in 1-2 working days
  • Well done :T:T:T
    It's such a lovely feeling to pay something off, roll on the next debt reduction repayment x
  • monzmonz Forumite
    4K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ✭✭✭✭
    Today my monthly payment of £98.54 into my loan so new update of signature and paid £45.95 off on my Next account woo so 180 still to pay but getting there :)

    how is everyone doing...


    confession time i went a little spend happy over long weekend and treated my boy to Edinburgh yesterday :( couldnt resist x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) :D car PCP - £4,149.75/£11,848.25 mortgage - £76,560 o/s currently - paid £10,684.50 (£319.84 overpayment)
  • monzmonz Forumite
    4K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ✭✭✭✭
    Set myself a mini target to have m loan down to 4,500 by Christmas :)....

    Heres hoping :) x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) :D car PCP - £4,149.75/£11,848.25 mortgage - £76,560 o/s currently - paid £10,684.50 (£319.84 overpayment)
  • misstaramisstara Forumite
    3.5K posts
    Sixth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    ✭✭✭✭
    Hi monz, don't beat yourself up over your spendy weekend - we all need a treat and edinburgh is fab :)

    Well done on your payments so far and good luck with your mini target.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £0
    Debt Feb 2020: Credit card - £607.09. Now £0 :smiley:
    Car - £4992.88. Now £4258.78 (14.7% paid)
    Emergency fund - £625.11/£1000. Car fund - £300/£1000.
  • abba1772abba1772 Forumite
    7.1K posts
    Tenth Anniversary 1,000 Posts Name Dropper Car Insurance Carver!
    ✭✭✭✭
    I agree you still need to treat yourself if you don't the debt payment journey gets very boring and tedious and you might start to resent it xx

    I booked a holiday to turkey for next year lol oops xx
    NEXT TARGET SAVING FOR OUR HOLIDAY SPENDS - IF IT HAPPENS
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18
    POAMAYC 2019 £13309.28
    POAMAYC 2020 £7694.06
  • monzmonz Forumite
    4K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ✭✭✭✭
    Thanks Miss Tara :)

    Thanks Abba! Nice on Turkey!! I have to be strict now though as 4 weeks tomorrow until next payday boo plus I have a cheeky night out on 11 October haha :) x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) :D car PCP - £4,149.75/£11,848.25 mortgage - £76,560 o/s currently - paid £10,684.50 (£319.84 overpayment)
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